CD Rates Gainesville, Georgia (GA) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Gainesville, Georgia CD rates include Delta Community Credit UnionDelta Community Credit Union891 Dawsonville Hwy Ste 140, Gainesville, GA 30501A+5.0 ★Texas Ratio: 1.57% offering IRA CDs 12 Month at 3.85% APY, United Community BankUnited Community Bank351 Jesse Jewell Pkwy, Gainesville, GA 30501A+5.0 ★Texas Ratio: 3.01% offering 6-month CD at 3.65% APY, Georgias Own Credit UnionGeorgias Own Credit Union475 Dawsonville Hwy Ste F, Gainesville, GA 30501 2606A5.0 ★Texas Ratio: 12.48% offering 1 Year Certificates of Deposit (CDs) at 3.62% APY, Lanier Federal Credit UnionLanier Federal Credit Union1430 Thompson Bridge Rd, Gainesville, GA 30501 1712A+5.0 ★Texas Ratio: 2.91% offering Share Certificates 12 Month CD at 3.60% APY, and TruistTruist3640 Thompson Bridge Rd, Gainesville, GA 30506A+5.0 ★Texas Ratio: 3.63% offering 12-month CD at 3.25% APY. CD rates as of March 29, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Gainesville, Georgia, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: March 29, 2026
Compare Best CD Rates in Gainesville, Georgia & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1324 Thompson Bridge Rd, Gainesville, GA 30501
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3360 Satellite Blvd, Duluth, GA 30096
WooriWON 3-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
This APY applies to only WooriWON 3-month CD product which is only available online.; Online Only
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5975 Shiloh Rd, Alpharetta, GA 30005
3 Month Certificate of Deposit
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
8910 Main St, Woodstock, GA 30188
3-Month CD (Certificate of Deposit)
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
3-Month CD
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
3 Month Share Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Regular Accounts
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
3 Month CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
90 Day CD
$500
0.03%
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
351 Jesse Jewell Pkwy, Gainesville, GA 30501
6-month CD
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly; Subject to early withdrawal penalty; Automatically renews on the maturity date
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
475 Dawsonville Hwy Ste F, Gainesville, GA 30501 2606
6 Month Certificates of Deposit (CDs)
$500
3.62%
▼
Rate3.57%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
891 Dawsonville Hwy Ste 140, Gainesville, GA 30501
6 Month Certificate of Deposit Accounts
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA 30501 1712
Share Certificates 6 Month CD
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1324 Thompson Bridge Rd, Gainesville, GA 30501
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
643 Ee Butler Pkwy, Gainesville, GA 30501
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Regular Accounts
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
6 Month Share / IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Automatic Renewal
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
6 Month Certificate of Deposit (IRA)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1897 Sullivan Rd, College Park, GA 30337 5701
6-Month Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
New money only.
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
6 MO. Certificates & IRA Certificates
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
5063 Alabama Hwy, Ringgold, GA 30736
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
7004 Evans Town Center Blvd, Evans, GA 30809
6 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit. The APY assumes interest remains on deposit until maturity. A penalty will be assessed for early withdrawal. Fees may reduce earnings.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5975 Shiloh Rd, Alpharetta, GA 30005
6 Month Certificate of Deposit
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
400 Porsche Avenue, Atlanta, GA 30354
Jumbo Certificate Less Than 1 Year Account 6 Month
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
6 Month CD
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 6 Month
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
6 Month Share or IRA Certificate
$1,000
3.20%
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
6-MONTH cD
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 6 months2
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
6 Month Certificate of Deposit
$1,000
2.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
6 Month Share Certificates
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
6 Month Share Certificate
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
6 Month CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
6 Month CD
$500
0.03%
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
891 Dawsonville Hwy Ste 140, Gainesville, GA 30501
IRA CDs 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
475 Dawsonville Hwy Ste F, Gainesville, GA 30501 2606
1 Year Certificates of Deposit (CDs)
$500
3.62%
▼
Rate3.57%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA 30501 1712
Share Certificates 12 Month CD
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3640 Thompson Bridge Rd, Gainesville, GA 30506
12-month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1324 Thompson Bridge Rd, Gainesville, GA 30501
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
643 Ee Butler Pkwy, Gainesville, GA 30501
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $49,000.00
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
12 Month Share / IRA Certificate of Deposit-STUDENT Accounts
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Automatic Renewal
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
Share Certificates/CDs 1 year
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
$500.00 and above; $500 is required to open the account and a minimum balance of $500 is required to earn the stated annual percentage yield. An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
12 MO. Certificates & IRA Certificates
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3764 Old Norcross Rd, Duluth, GA 30096
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Limited time offer. Only available in our branches.
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
IRA Certificates 12-Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 1 Year
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
400 Porsche Avenue, Atlanta, GA 30354
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 24 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Harris Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
315 W 12th Ave, Cordele, GA 31015 2333
1 YEAR CERTIFICATE
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
40 E Pike St, Lawrenceville, GA 30046 4934
Loyalty Term Share Certificate (or CD) 1 Year Loyalty
$10,000
3.65%
▼
Rate3.59%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
5 Years of Membership
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
12 Month Share Certificates
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Coweta Cities & County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
43 Jefferson Pkwy, Newnan, GA 30263 5813
1 year Regular Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
12 mo. IRA CD
$500
3.51%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
12 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
70 Carlisle Rd, Dawsonville, GA 30534
12 Month CDs
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
12 Month Certificate of Deposit
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
1845 Satellite Blvd, Duluth, GA 30097
IRA Certificates 1 year
$1,000
3.30%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
8910 Main St, Woodstock, GA 30188
12-Month CD (Certificate of Deposit)
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
102 E Force St, Valdosta, GA 31601 3904
Certificate Account 1 year
$0
2.35%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Minimum Opening Deposit - $1,000.00; Dividends Credited - At Maturity*; Dividend Period - Term of Account*; Dividends Compounded - At Maturity*; Additional Deposits - Not Allowed; Withdrawals - Allowed with Penalty
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
12 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
1 Year Share Certificate
$500
1.15%
▼
Rate1.14%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
18 Month Share / IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Automatic Renewal
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
104 Town Blvd NE Ste A110, Brookhaven, GA 30319 3146
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Save more when you move at least $500 from another financial institution.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
IRA Certificates 18-Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Regular Accounts
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
18 Month Share Certificates
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
18 Month Share Certificate
$500
2.35%
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
18 Month Share Certificates
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
18 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
891 Dawsonville Hwy Ste 140, Gainesville, GA 30501
IRA CDs 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
475 Dawsonville Hwy Ste F, Gainesville, GA 30501 2606
2 Year Certificates of Deposit (CDs)
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA 30501 1712
Share Certificates 24 Month CD
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
24 Month Share / IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Automatic Renewal
Harris Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
315 W 12th Ave, Cordele, GA 31015 2333
2 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
400 Porsche Avenue, Atlanta, GA 30354
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 24 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
24 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
2 Year Business CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
24 mo. standard CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
2-Year IRA Certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 24 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
24 Month Share Certificates
$500
2.84%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1251 13th St, Columbus, GA 31901 2227
First-time Homebuyer Certificate 24-month term
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Eligible for additional deposits throughout the certificate term; Maximum balance of $15,000; Limit one certificate per membership; Closing credit of $500 towards your mortgage closing with Kinetic
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
2 Year Share Certificate
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
24 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
2-year cd
$500
0.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 2 years2
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
891 Dawsonville Hwy Ste 140, Gainesville, GA 30501
IRA CDs 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
475 Dawsonville Hwy Ste F, Gainesville, GA 30501 2606
3 Year Certificates of Deposit (CDs)
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
36 Month Share / IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Automatic Renewal
Harris Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
315 W 12th Ave, Cordele, GA 31015 2333
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 3 Year
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
36 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 36 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Regular Accounts
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
36 mo. IRA CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
3 Year CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
400 Porsche Avenue, Atlanta, GA 30354
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 36 Month
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
IRA Certificates 36-Month
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
36 Month Share Certificates
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
3 Year Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
705 W Cherry St, Jesup, GA 31545
36 Month Share/IRA Certificates
$1,000
2.60%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
3 Year Share Certificate
$500
2.55%
▼
Rate2.52%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
36 Month CD
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
36 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
3-year cd
$500
0.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 3 years2
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
475 Dawsonville Hwy Ste F, Gainesville, GA 30501 2606
4 Year Certificates of Deposit (CDs)
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
48 Month Share One-Time Bump Certificates of Deposit
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Automatic Renewal to Regular Certificate
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Regular Accounts
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
48 mo. IRA CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
48 MO. Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
4 Year CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
400 Porsche Avenue, Atlanta, GA 30354
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 48 Month
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
48 Month Share Certificates
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
4 Year Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
705 W Cherry St, Jesup, GA 31545
48 Month Share/IRA Certificates
$1,000
2.60%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
48-Month Jumbo CD
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
4 Year Share Certificate
$500
2.55%
▼
Rate2.52%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
48 Month CD
$500
1.95%
▼
Rate1.93%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
48 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
891 Dawsonville Hwy Ste 140, Gainesville, GA 30501
IRA CDs 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
475 Dawsonville Hwy Ste F, Gainesville, GA 30501 2606
5 Year Certificates of Deposit (CDs)
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
60 Month Share One-Time Bump Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Automatic Renewal to Regular Certificate
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Regular Accounts
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
60 mo. IRA CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
60 MO. Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
5 Year Business CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
400 Porsche Avenue, Atlanta, GA 30354
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 60 Month
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
5 Year Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
705 W Cherry St, Jesup, GA 31545
60 Month Share/IRA Certificates
$1,000
2.60%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
5 Year Share Certificate
$500
2.55%
▼
Rate2.52%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
60-Month Jumbo CD
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
60 Month CD
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
60 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Gainesville, GA CD Rate Trends
Compare local Gainesville, GA CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — GA Avg
2.629%
▼ 0.532 from last week
Georgia 12-month CD rates fell 0.532 points this week to 2.629% APY, down from 3.161% last week.
6-Month CD — GA Avg
1.496%
▼ 1.053 from last week
Georgia 6-month CD rates fell 1.053 points this week to 1.496% APY, down from 2.549% last week.
As of Mar 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Gainesville, Georgia
Are CD rates in Gainesville, Georgia FDIC insured?
Yes, most established banks in Gainesville, Georgia are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Gainesville, Georgia?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Gainesville, Georgia.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Gainesville, Georgia may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Gainesville, Georgia?
Here are recent top rates found for this area:
- Delta Community Credit Union: 3.85% APY (IRA CDs 12 Month)
- United Community Bank: 3.65% APY (6-month CD)
- Georgias Own Credit Union: 3.62% APY (1 Year Certificates of Deposit (CDs))
- Lanier Federal Credit Union: 3.60% APY (Share Certificates 12 Month CD)
- Truist: 3.25% APY (12-month CD)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- First Citizens Bank: 0.01% APY (6-month automatic saver CD)
- P&S Credit Union: 5.00% APY (12 Month Share / IRA Certificate of Deposit-STUDENT Accounts)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- Woori America Bank: 4.00% APY (WooriWON 3-month CD)
Rates reflect recent verified offers available in Gainesville, Georgia. Last Updated: March 29, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Gainesville, Georgia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Gainesville, Georgia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in GA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: March 29, 2026
